A conversation for retirees with their pension provider or an impartial advice or guidance service about their retirement options. This conversation will include a high-level overview of alternatives to annuities as people approach retirement.

A comparison of annuity quotes, whereby all providers will offer a comparison, or introduction to an intermediary who will deliver the comparison, early and prominently in their retirement process. The comparison will be offered as an integral part of the process not as an optional extra.

Ask all customers for information about their health and lifestyle, which they can use to shop around for an enhanced rate.

“It is critical to make sure savers have all the appropriate information they need easily to hand to make the best possible choice at retirement. This means changing the retirement process so that shopping around and providing medical information is built into it.

“Providers will also monitor data on the proportion of customers who take up the offer of a conversation or comparison and those who don’t, and how outcomes vary for these customers.

“If people have small pension pots, the issue isn’t just about choice of annuity, but whether they should annuitise at all. The industry is urging the government to simplify and relax the rules, which state how much money people can take in cash when they come to retire with a small savings pot.

“The ABI is now working with its members to develop the detail of these changes and their implementation and expect to publish this in the coming months.”

ASPIRE to retire welcome this move by the ABI as anything that improves Open Market Option take up is a positive move for consumer outcomes. However we believe that one of the real issues here is the need for consumers to access information and education at a much earlier stage, with access to impartial support at the point of retirement.

With an ever increasing fluidity to retirement there has never been more need to promote the value of advice for this life changing event. Otto is quite right that for many individuals, conventional or even enhanced annuities may not be the most appropriate option but our concern would be how many providers would truly promote the importance of impartial advice, whole of market annuity comparisons and the use of full rather than simplified underwriting practice.

Notwithstanding the astounding success of the FamilySearch indexing program and the tireless dedication of hundreds of thousands of volunteers, it will still take many generations to index and publish just the records contained in FamilySearch’s Granite Mountain Records VaultBelow are answers to some of the most common questionsThat will be free to anyone LDS or notWhen will we be able to access the Ancestry recordsPossibly I should first understand how they will have access to Family Tree other than creating an accountI hope you are not indexing to get praise
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